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Fitness Dress in loose layers and warm up indoors before cold-weather runs : National Institute on Aging: layers of loose clothing trap warm air between them; wear nonskid, rubber-soled shoes on snow or ice, know the signs of hypothermia, and carry a fully charged phone.Run facing traffic when there is no sidewalk : NHTSA lists walking or jogging in the same direction as traffic, unable to see cars coming from behind, as one of eight common pedestrian crash types.Replace your running shoes every 300 to 500 miles or 6 to 8 months : AAOS OrthoInfo: in general, replace workout shoes every 300 to 500 miles or 6 to 8 months, whichever comes first.Add balance activities to your week alongside running and strength work : CDC: adults 65+ need 150 minutes of moderate or 75 minutes of vigorous aerobic activity (running counts as vigorous), at least 2 days of muscle strengthening, plus balance activities each week.Read the NIH omega-3 fact sheet before buying fish oil : NIH ODS: the American Heart Association recommends 1-2 servings of seafood a week and doesn't recommend omega-3 supplements for people without a high risk of cardiovascular disease; high doses may cause bleeding problems with warfarin or other anticoagulants.Run Raleigh's Capital Area Greenway trails : Free public trails open dawn to dusk daily, with a city trail map and closure alerts.Scout travel runs with Strava's Global Heatmap : The heatmap shows where recorded activity is concentrated, so you can find popular paths and trails without local knowledge.Check the NIH vitamin D fact sheet before buying supplements : NIH ODS: recommended intake is 15 mcg (600 IU) a day for most adults through age 70 and 20 mcg (800 IU) from age 71.Creatine monohydrate: what the sports nutrition society concluded : ISSN: no compelling scientific evidence of harm from short- or long-term creatine monohydrate use (up to 30 g/day for 5 years) in otherwise healthy individuals.Try rucking as low-impact cross-training : Cleveland Clinic: rucking can burn up to three times the calories of walking without a pack; its example starting load is about 5 lb.Strength train at least 2 days a week alongside your running : CDC: 150 minutes moderate or 75 minutes vigorous aerobic activity a week, plus muscle strengthening on 2 or more days.Log macros from USDA FoodData Central and weigh your food : Free USDA database. USDA says its Branded Foods label data is updated monthly.Track protein in grams per kg of body weight as you age : PROT-AGE: an average of 1.0-1.2 g protein per kg of body weight per day for healthy adults over 65, higher with illness; people with severe kidney disease are an exception.Add protein (with carbs) after hard or long runs : ISSN position stand: protein during or after intense endurance exercise may suppress markers of muscle damage and reduce perceived soreness.Money Plan for the new $6,000 senior tax deduction if you turn 65 by year-end : IRS (Working Families Tax Cuts fact sheet, 2025): $6,000 per eligible person ($12,000 for a married couple if both qualify); phases out above $75,000 modified AGI ($150,000 joint); you must include your Social Security number and, if married, file jointly.Check the 2027 Social Security earnings limit if you work while claiming early : SSA: benefits rise 3.6% in 2027. Under full retirement age all year, SSA deducts $1 for every $2 earned over $25,560 (2027); in the year you reach full retirement age, $1 for every $3 over $67,920. No limit once you are at full retirement age.Know the I bond rules before you buy : TreasuryDirect: $25 minimum, electronic only, up to $10,000 per Social Security Number per calendar year. Earnings are subject to federal income tax but not state or local income tax.Build an emergency fund with auto-saving : CFPB: automatic recurring transfers are one of the easiest ways to save consistently. Watch your checking balance so a transfer doesn't cause an overdraft fee.Review your Medicare plan during Open Enrollment, October 15 to December 7 : Medicare.gov: changes made during Open Enrollment take effect January 1, and the plan must get your enrollment request by December 7.Run the IRS Tax Withholding Estimator if you have a paycheck or pension plus side income : IRS: takes about 25 minutes; it doesn't ask for your name, SSN or bank details, and answers aren't saved or shared with the IRS. Correct withholding makes it less likely you'll owe a penalty when you file.Ask whether your 2026 catch-up must be Roth if prior-year wages topped $150,000 : IRS (catch-up contributions): for 2026, participants whose prior-year wages with the plan sponsor exceeded $150,000 must make catch-up contributions as Roth if the plan has Roth features and offers catch-ups. Separate 2026 catch-up dollar limits still apply ($8,000 standard; $11,250 for ages 60-63 when the plan allows).Know that required minimum distributions generally start at age 73 : IRS: RMDs generally begin at age 73 for IRAs and most plans; Roth IRAs and designated Roth accounts have no lifetime RMDs while the owner is alive. Missing an RMD can trigger an excise tax on the shortfall (25%, or 10% if corrected within 2 years).Check whether Medicare's higher-income premium surcharge (IRMAA) could apply to you : SSA: the 2026 standard Part B premium is $202.90, and higher premiums apply above $109,000 MAGI (individual filers) or $218,000 (married filing jointly). If your income drops after a life-changing event such as stopping work, you can ask for a new decision with Form SSA-44.Call your carrier's retention team or switch to a prepaid/MVNO plan : Consumer Reports says MVNOs generally cost less because they skip perks like streaming bundles and phone-financing deals and have fewer stores.Know your Medicare Initial Enrollment Period before you turn 65 : Medicare.gov: the window starts 3 months before you turn 65 and ends 3 months after the month you turn 65. A Part B late penalty can last as long as you have Part B.Use an HSA if you have a high-deductible health plan (2026 limits) : IRS: 2026 limit $4,400 self-only or $8,750 family coverage, plus an extra $1,000 if you're 55 or older. Non-medical withdrawals are taxable and may carry an additional 20% tax.Know what waiting to claim Social Security is worth : SSA: for people born in 1943 or later, delayed retirement credits add 8% per year (2/3 of 1% per month) after full retirement age, stopping at 70.Create your my Social Security account and check your earnings record : Free, online, and uses Login.gov or ID.me to verify you. Lets you review earnings for accuracy and estimate benefits at different ages.Compare fund expense ratios before you buy (index ETFs, 401(k) funds) : SEC investor bulletin: a fund with higher costs must perform better than a lower-cost fund to deliver the same return to you.Use the higher 401(k) catch-up if you're 60-63 (2026 limits) : IRS (Notice 2025-67): 2026 deferral limit $24,500; standard 50+ catch-up $8,000; ages 60-63 catch-up $11,250.Use MissingMoney.com to search unclaimed property in other states : One free search covers most participating states. NAUPA also lists each state's official program if you'd rather search state by state.Search NCCash.com for unclaimed money held in your name : Free search of a database the state says is updated daily. The site says claims are processed in the order received and normally take about 90 days.Home Have your furnace and chimney inspected and cleaned before the heating season : NFPA: heating equipment is one of the leading causes of home fire deaths, and nearly half of home heating fires (46%, 2020-2024 averages) happen December through February.Seal leaky heating and cooling ducts in the attic, crawlspace or garage : ENERGY STAR: in a typical house, about 20 to 30 percent of the air moving through the duct system is lost to leaks, holes and poorly connected ducts.Use food coloring to find a toilet leak : EPA WaterSense: color in the bowl after 10 minutes means a leak; flappers should be checked periodically and replaced at least every five years. Flush right after the test to avoid staining.Switch your ceiling fan to run clockwise on low speed in winter : ENERGY STAR: clockwise at low speed makes a gentle updraft that forces warm air near the ceiling down into the room; adjusting your thermostat along with it can add energy savings.Drain and shut off outdoor hose faucets before the first freeze : American Red Cross: outdoor hose bibs and pipes in unheated areas freeze most often; on very cold nights, a dripping faucet and open sink cabinets help, and if you travel, keep the heat at no lower than 55°F.Keep anything that can burn at least 3 feet from space heaters and fireplaces : U.S. Fire Administration: heating was the second leading cause of home fires in 2021; portable heaters were 3% of home heating fires but 41% of fatal heating fires (2017-2019).Install carbon monoxide alarms on every level and outside sleeping areas : CPSC: install UL 2034 CO alarms on every level and outside sleeping areas; interconnected alarms are best. A CO alarm adds protection but does not replace proper appliance use and annual heating-system service.Check your furnace or AC filter monthly and replace it at least every 3 months : U.S. Department of Energy: dirty filters reduce airflow so the system works harder and costs more to run; check monthly and replace at least once every three months.Clean the dryer lint filter every cycle and check the vent : U.S. Fire Administration: you are at higher risk of a clothes dryer fire if you don't clean your lint filter and dryer vents.Set your water heater to 120°F and check it with a meat thermometer : DOE Building America Solution Center: the EPA recommends 120°F to prevent scalding, and turning it down can save energy and may help the heater last longer by slowing mineral buildup and corrosion.Fix a cabinet door that won't stay shut: adjust or replace the catch : Family Handyman: catches are fastened with two screws, so replacing a damaged one is simple.Wall-mount a TV into studs and match the VESA pattern : Consumer Reports: most mounts suit wood-stud framing with drywall; other wall types may need different hardware.Get a free Duke Energy Home Energy Check before upgrades : Duke Energy lists up to $3,800 in rebates for single-family homes, including up to $800 for attic insulation and up to $450 for duct test and repair, after the free check.Test smoke alarms monthly and replace them every 10 years : NFPA: all smoke alarms must be replaced 10 years after their manufacture date.Flush your water heater once a year : EPA WaterSense: flushing once a year reduces sediment buildup that can decrease efficiency.Turn the thermostat back 7-10°F for 8 hours a day : DOE: as much as 10% a year on heating and cooling by turning the thermostat down 7-10°F for 8 hours a day in fall and winter.Caulk and weatherstrip drafty doors and windows : DOE: caulking and weatherstripping offer quick returns on investment, often one year or less.Life Turn on your phone's and carrier's free call-blocking tools : FCC: phone companies may block suspicious calls and many offer enrollment or apps at little or no cost; a blocked call may go to voicemail, ring once, or not notify you at all.Stock your car for winter and have the battery checked : NHTSA's kit list: ice scraper and shovel, sand or kitty litter, jumper cables, flashlight, warning devices, first aid kit, blankets, phone charger, water, food and needed medicine. NHTSA also says to keep the tank close to full.Don't tap links in texts about unpaid tolls; check with the toll agency directly : FTC: the link can steal card details and personal information like your driver's license number. Report junk texts in your messaging app or forward them to 7726 (SPAM).Look up your car's VIN for open safety recalls twice a year : NHTSA: recall repairs are free at the dealer; manufacturers must mail registered owners within 60 days of notifying NHTSA, and NHTSA advises checking for recalls twice a year.Get your flu shot in September or October, especially if you are 65 or older : CDC: people 65+ face higher risk of serious flu complications; preferential vaccines are high-dose inactivated, recombinant, or adjuvanted inactivated. Timing guidance favors September–October; avoid early (July–August) vaccination for most older adults unless later vaccination may not be possible.Register your phone numbers free on the National Do Not Call Registry : FTC: free registration at DoNotCall.gov; your number should appear the next day and sales calls from complying telemarketers can take up to 31 days to stop. The Registry does not block scam or illegal robocalls.Check tire pressure and tread monthly using your door-jamb label : NHTSA: replace tires when tread is worn to 2/32 inch, and a dashboard TPMS warning only comes on when a tire is already significantly underinflated. NHTSA says proper inflation can save as much as 11 cents per gallon on fuel.Report all gig income and keep receipts, even without a 1099 : IRS: you must file if net self-employment earnings from gig work are $400 or more.Plan for quarterly estimated taxes on rideshare income : IRS: the year is split into four payment periods, and underpaying can trigger a penalty; Form 1040-ES has a worksheet.Log every business mile as a rideshare driver (2026 IRS rates) : IRS: for 2026 the business standard mileage rate is 72.5 cents/mile for Jan 1 - Jun 30 and 76 cents/mile for Jul 1 - Dec 31.Freeze your credit (it's free and doesn't affect your score) : FTC: free to place or lift, doesn't affect your credit score, and lasts until you lift it.Check your credit reports for free at AnnualCreditReport.com : FTC: the three bureaus have permanently extended free weekly reports through AnnualCreditReport.com.